850 University
Reading your auto policy, why state minimums can cost you, uninsured drivers, no-fault and PIP, how prices are built, totaled cars and GAP, your claim rights, when to file, teen and high-risk drivers, SR-22, rideshare and shopping smarter.
Learn to read an auto declarations page: split liability limits and combined single limits, the coverages that protect you and your car, deductibles, and why listed and excluded drivers matter.
See why carrying only your state's minimum liability insurance can leave a big gap after a serious crash, how minimums changed in 2025 and 2026, and how to think about higher limits.
Learn how uninsured and underinsured motorist coverage protects you when the other driver can't pay, why rejection forms matter, what North Carolina changed in 2025, and what stacking means.
Is Auto Insurance free on 850 University?
Yes — 10 of 10 lessons in this course are free with an 850ai account. Watch on YouTube anytime; create a free account to take quizzes and track progress.
How many lessons are in Auto Insurance?
This course includes 10 short video lessons, each followed by a quiz when you learn inside the 850ai app.
Can I dispute errors on my credit report after this course?
850 University teaches the concepts; 850ai can analyze your credit report and generate dispute letters when you are ready. Start free at my850.ai/landing.
Learn the strategy here, then let 850ai analyze your credit report and generate dispute letters tailored to your accounts.
Learn how no-fault auto insurance works, what PIP and MedPay pay, Florida's PIP rules, Michigan's PIP choices, and why no-fault limits injury lawsuits but not car damage claims.
Learn what goes into your auto insurance price, including credit-based insurance scores and where states ban credit or gender, how telematics programs work, and how to use your FCRA rights to check the files insurers use.
Learn how insurers value a totaled car, how comparable cars, taxes and fees shape the check, how to challenge a low offer, and how GAP covers a loan that's bigger than the payout.
Learn what to do at the scene of a crash and the claim rights that often protect you: choosing your repair shop, asking about parts, rental limits, getting your deductible back, diminished value and deadlines.
Learn how claims can raise your auto insurance price, how to do the small-claim math, why you still tell your insurer about crashes, and what accident forgiveness does and doesn't do.
Learn why teen drivers cost more and how to soften the price, who should be listed on your policy, what SR-22 and FR-44 filings are, where high-risk drivers can buy coverage, and why a lapse can cost you.
Learn the three rideshare periods and where personal policies stop, how endorsements fill the gap, and how to shop smarter with matching quotes, discounts and payment choices. Then test four popular car insurance myths.